Heat oil over medium heat in a large skillet. Add curry powder, garam masala, turmeric, cardamom and cloves to oil and stir so spices and oil thicken to a paste. Add the rest of the ingredients and stir. Cook, covered,over medium heat for 20-30 minutes (or until the veggies are fork tender), stirring periodically.

...MEANWHILE...

(no-fail) Saffron Rice

1 cup jasmine rice

2 cups water

1/2 Tbsp unsalted butter (or use salted and omit the extra salt)

salt to taste

small pinch of saffron

Combine all ingredients in a microwave safe bowl. Cover and cook on high for 5 minutes. Continue cooking, covered, for another 15 minutes at 50% power. Fluff with a fork and serve immediately.